Answers to your most frequently asked questions. If you have further questions, please contact us.

Health Insurance Plans

How many staff do I need to offer group terms?

Group terms can be offered when there are three or more staff members. For groups wishing to get a quote for international health insurance, please visit our Employer area or contact our Sales Support Team who will be happy to provide you with a quote based on your requirements.

Can I offer different levels of cover within a group?

Generally, all insured members within a group will have the same level of cover. However, for larger groups, we are able to accommodate different levels of cover through the creation of sub-groups. For further information, please contact our Sales Support Team.

Which are your most comprehensive healthcare plans and which are your entry level plans?

All policies must include a Core Plan. Thereafter, an out-patient, dental and/or repatriation plan can be added.

If a member is travelling outside of their area of cover, how long are they covered for and what is covered?

Members are covered for emergencies only, which occur during business and holiday trips outside of the chosen area of cover (where relevant). Cover is provided up to a maximum period of six weeks per trip within the maximum benefit amount. Members will not be covered for any curative or follow-up non-emergency treatment, even if deemed unable to travel to a country within the geographical area of cover. If members are moving outside the area of cover for more than six weeks, they should contact their organisation’s Group Scheme Manager.

Not only are members covered in the event of an accident, but they are also covered for the sudden beginning, or worsening, of a severe illness which results in a medical condition that presents an immediate threat to their health. To be considered as emergency treatment, and thus covered under this benefit, please remember that the medical treatment provided by a physician, medical practitioner or specialist should commence within 24 hours of the emergency event.

Charges relating to maternity, pregnancy, childbirth or any complications of pregnancy or childbirth are excluded from this benefit.